PEBK vs. FISI
PEBK (Peoples Bancorp of North Carolina, Inc.) and FISI (Financial Institutions, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, PEBK returned 12.74%/yr vs 8.56%/yr for FISI. At a 0.15 correlation, their price movements are largely independent.
Performance
PEBK vs. FISI - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, PEBK achieves a 23.42% return, which is significantly lower than FISI's 25.57% return. Over the past 10 years, PEBK has outperformed FISI with an annualized return of 12.74%, while FISI has yielded a comparatively lower 8.56% annualized return.
PEBK
- 1D
- 2.59%
- 1M
- 5.19%
- YTD
- 23.42%
- 6M
- 20.23%
- 1Y
- 62.29%
- 3Y*
- 39.43%
- 5Y*
- 15.62%
- 10Y*
- 12.74%
FISI
- 1D
- 1.35%
- 1M
- 9.52%
- YTD
- 25.57%
- 6M
- 22.89%
- 1Y
- 57.80%
- 3Y*
- 39.79%
- 5Y*
- 9.80%
- 10Y*
- 8.56%
PEBK vs. FISI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
PEBK Peoples Bancorp of North Carolina, Inc. | 23.42% | 19.74% | 4.25% | -1.35% | 21.80% | 22.91% | -27.46% | 37.48% | -18.89% | 36.86% |
FISI Financial Institutions, Inc. | 25.57% | 19.47% | 35.54% | -6.75% | -19.99% | 46.37% | -26.01% | 29.19% | -14.77% | -6.52% |
Correlation
The correlation between PEBK and FISI is 0.66, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.66 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.48 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.38 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.36 |
Correlation (All Time) Calculated using the full available price history since Jun 25, 1999 | 0.15 |
Over the past year, PEBK and FISI have become more correlated (0.66) than their long-term average of 0.15, meaning their price movements have been converging.
Fundamentals
PEBK:
$4.19
FISI:
$3.91
PEBK:
10.50
FISI:
9.83
PEBK:
5.10
FISI:
0.45
PEBK:
2.05
FISI:
2.05
PEBK:
$101.93M
FISI:
$378.23M
PEBK:
$61.81M
FISI:
$240.77M
PEBK:
$22.28M
FISI:
$99.45M
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
PEBK vs. FISI — Risk / Return Rank
PEBK
FISI
PEBK vs. FISI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Peoples Bancorp of North Carolina, Inc. (PEBK) and Financial Institutions, Inc. (FISI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| PEBK | FISI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.09 | ||
| Sortino ratioReturn per unit of downside risk | -0.46 | ||
| Omega ratioGain probability vs. loss probability | 1.37 | 1.40 | -0.02 |
| Calmar ratioReturn relative to maximum drawdown | 4.84 | 4.24 | +0.60 |
| Martin ratioReturn relative to average drawdown | 12.28 | 12.44 | -0.15 |
Loading charts...
Drawdowns
PEBK vs. FISI - Drawdown Comparison
The maximum PEBK drawdown since its inception was -84.20%, smaller than the maximum FISI drawdown of -89.98%. Use the drawdown chart below to compare losses from any high point for PEBK and FISI.
Loading charts...
Drawdown Indicators
| PEBK | FISI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -84.20% | -89.98% | +5.78% |
Max Drawdown (1Y)Largest decline over 1 year | -12.94% | -13.72% | +0.78% |
Max Drawdown (3Y)Largest decline over 3 years | -25.20% | -27.83% | +2.63% |
Max Drawdown (5Y)Largest decline over 5 years | -49.58% | -52.44% | +2.86% |
Max Drawdown (10Y)Largest decline over 10 years | -56.44% | -56.38% | -0.06% |
Current DrawdownCurrent decline from peak | -0.81% | 0.00% | -0.81% |
Average DrawdownAverage peak-to-trough decline | -27.72% | -26.33% | -1.39% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.09% | 4.66% | +0.43% |
Volatility
PEBK vs. FISI - Volatility Comparison
Peoples Bancorp of North Carolina, Inc. (PEBK) has a higher volatility of 7.33% compared to Financial Institutions, Inc. (FISI) at 6.49%. This indicates that PEBK's price experiences larger fluctuations and is considered to be riskier than FISI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| PEBK | FISI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.33% | 6.49% | +0.84% |
Volatility (6M)Calculated over the trailing 6-month period | 15.77% | 17.52% | -1.75% |
Volatility (1Y)Calculated over the trailing 1-year period | 29.44% | 26.35% | +3.09% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 27.40% | 31.73% | -4.33% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 37.93% | 36.04% | +1.89% |
Dividends
PEBK vs. FISI - Dividend Comparison
PEBK's dividend yield for the trailing twelve months is around 2.25%, less than FISI's 3.28% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FISI Financial Institutions, Inc. | 3.28% | 3.98% | 4.40% | 5.63% | 4.76% | 3.40% | 4.62% | 3.12% | 3.74% | 2.73% | 2.37% | 2.86% |
PEBK Peoples Bancorp of North Carolina, Inc. | 2.25% | 2.65% | 2.94% | 2.94% | 2.67% | 2.39% | 3.26% | 2.01% | 2.13% | 1.46% | 1.52% | 1.45% |
Financials
PEBK vs. FISI - Financials Comparison
This section allows you to compare key financial metrics between Peoples Bancorp of North Carolina, Inc. and Financial Institutions, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
PEBK vs. FISI - Profitability Comparison
PEBK - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Peoples Bancorp of North Carolina, Inc. reported a gross profit of 0.00 and revenue of 20.88M. Therefore, the gross margin over that period was 0.0%.
FISI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Financial Institutions, Inc. reported a gross profit of 62.67M and revenue of 92.24M. Therefore, the gross margin over that period was 67.9%.
PEBK - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Peoples Bancorp of North Carolina, Inc. reported an operating income of 0.00 and revenue of 20.88M, resulting in an operating margin of 0.0%.
FISI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Financial Institutions, Inc. reported an operating income of 24.83M and revenue of 92.24M, resulting in an operating margin of 26.9%.
PEBK - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Peoples Bancorp of North Carolina, Inc. reported a net income of 4.40M and revenue of 20.88M, resulting in a net margin of 21.1%.
FISI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Financial Institutions, Inc. reported a net income of 20.99M and revenue of 92.24M, resulting in a net margin of 22.8%.
Frequently Asked Questions
PEBK and FISI have a correlation of 0.66, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
PEBK has higher volatility (7.33%) compared to FISI (6.49%). In terms of maximum drawdown, PEBK dropped -84.20% vs FISI's -89.98%.
FISI currently has the higher Sharpe Ratio (2.22 vs 2.13), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
Find the right allocation for PEBK and FISI
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer